The Home Loan Expert Disclosure
The Home Loan Expert, LLC and The Home Loan Expert, LLC. D/B/A Hero.Loan NMLS# 1326241. © 2021. Equal Housing Opportunity. Not an offer or agreement. Information, rates, & programs are subject to change without prior notice. Not available in all states. Subject to credit & property approval. Terms and Conditions Apply. Not affiliated with any government agency. For licensing information go to: www.nmlsconsumeraccess.org. 1600 South Brentwood Boulevard, Suite 700. St. Louis, MO 63144
By submitting your information on any website form, the user consents to receive emails, phone calls and/or text messages from The Home Loan Expert, LLC D/B/A Hero Loan.
5 Minute Loan Approval*
Final loan approval is subject to additional terms and conditions. 5 minutes represents a typical time period in which a representative from The Home Loan Expert, LLC may contact the submitter from time of initial submission during normal business hours. All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Other restrictions and limitations may apply.
First Time Home Buyer
IMPORTANT PROMOTION INFORMATION
The First Time Homebuyer Promotion offers eligible customers a $500.00 Home Depot gift card at or after closing.
Eligibility: To be eligible for The Home Loan Expert, LLC’s First Time Homebuyer promotion at least one customer must be a First Time Homebuyer (defined below) and close their loan with The Home Loan Expert, LLC during the promotional period. For purposes of this promotion, a First Time Homebuyer is an individual who (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a First Time Homebuyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period. This promotion is only available for new, residential first-lien loan applications submitted directly to The Home Loan Expert, LLC. Purchase applications with a property address received between April 12, 2021 and December 31, 2021 are eligible for the First Time Homebuyer program. Limit one (1) gift card per transaction. The Home Loan Expert LLC. reserves the right to amend, terminate, or withdraw the First Time Homebuyer promotion at any time without prior notice. You are responsible for any tax liability related to participating in the promotion. Please consult your tax advisor if you have any questions about your personal tax situation.
All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations may apply.
IMPORTANT RATE INFORMATION
A 3% down payment on a 30-year, fixed-rate loan with an interest rate of 3.125% / 3.368% APR will have 360 monthly principal and interest payments. Actual payments may be higher, and may include both taxes and insurance.
Home lending products offered by The Home Loan Expert, LLC.
State Licensing Information
Alabama: Consumer Credit License No. 22465, Issued by Alabama State Banking Department
Arizona: Arizona Mortgage Banker License No. 1005760
Arkansas: Arkansas Combination Mortgage Banker/Broker/Servicer License No. 122073, Issued by Arkansas Securities Department
California: Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act License No. 41DBO-91489
“Under the California Consumer Privacy Act (CCPA), you have a right to request the deletion of personal information that we collect and/or maintain about you. To submit a request to delete personal information, please submit an email request to optout@thehomeloaexpert.com and include “California Request to Delete” in the subject line. Please specify in your request the personal information about you that you would like to have deleted, which can be all of your personal information as permitted and authorized by the CCPA.
You also have the right to submit a request to exercise the right to know, please submit an email request to CCPARTK@thehomeloanexpert.com with “California Request to Know” in the subject line. Please specify in your request the details you would like to know, including any specific pieces of personal information you would like to access.” ”
Colorado: Colorado Mortgage Company Registration, Regulated by the Division of Real Estate
District of Columbia: Mortgage Dual Authority License No. MLB1326241, issued by the Department of Insurance, Securities and Banking
Florida: Florida Mortgage Lender License No. MLD1736, Issued by the Florida Office of Financial Regulation
Georgia: COMING SOON
Idaho: COMING SOON
Illinois: Residential Mortgage Licensee MB.6761130, NMLS ID# 1326241
Regulated by the Illinois Division of Banking
Illinois Department of Financial and Professional Regulation (IDFPR)
James R. Thompson Center (JRTC)
100 West Randolph Street – 9th Floor
Chicago, IL 60601
General Inquiry Inquiries: 1-888-473-4858
Division of Banking Direct: 1-844-768-1713
TYY: 1-866-325-4949
STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE: The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. We will update this notice when our first evaluation has been issued.
Indiana: Residential Mortgage License No. 28826, Issued by the Indiana Department of Financial Institutions
Iowa: Mortgage Banker License No. 2020-0057 & Hero Loan No. 2021-0172, Issued by the Iowa Division of Banking
Kansas: Licensed mortgage company, License No. MC.0025619, Issued by the Consumer & Mortgage Lending Division
Kentucky: Mortgage Company License No. MC419224, Issued by the Department of Financial Institutions
Massachusetts: Massachusetts Licensed Lender & Hero Loan, No. ML1326241
Mississippi: Mortgage Lender License No. 1326241, Issued by the Mississippi Department of Banking & Consumer Finance
Missouri: Mortgage Company License No. 1326241, Issued by the Division of Finance
Nebraska: Mortgage Banker License, issued by the Department of Banking & Finance
North Carolina: North Carolina Mortgage Lender License # L-204717
Ohio: Ohio Residential Mortgage Lending Act Certificate of Registration No. RM.804708.000
Oklahoma: Mortgage Lender License No. ML013804, & Hero Loan License No. ML013805. Issued by the Department of Consumer Credit
Tennessee: Mortgage License No. 128819, Issued by the Department of Financial Institutions
Texas: SML Mortgage Banker Registration; CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
FOR RESIDENTIAL MORTGAGE LOANS ON REAL ESTATE LOCATED IN TEXAS:
COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
A COMPLAINT FORM AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE LOCATED AT WWW.SML.TEXAS.GOV OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE LISTED ABOVE, OR BY EMAIL AT SMLINFO@SML.TEXAS.GOV.
Utah: COMING SOON
Virginia: COMING SOON
Wisconsin: Mortgage Banker License No. 1326241BA, Issued by the Department of Financial Institutions.
VA Loan approval in 5 minutes*
